Cheapest 2002 Pontiac Bonneville Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Aug 23, 2022

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Overpriced Pontiac Bonneville insurance can empty your checking account, especially in this economy. Comparing price quotes is free, only takes a few minutes, and is a good way to lower your monthly bill. Many auto insurance companies vie for your business, and it can be difficult to compare rates to find the absolute best rates possible.

Free Quotes for Insurance

Getting a cheaper price on 2002 Pontiac Bonneville insurance is not rocket science. All you need to do is spend a few minutes on the computer comparing price quotes online from several insurance companies. This can be done using a couple different methods.

  • The recommended way to find low rates would be an industry-wide quote request form click here to open form in new window. This method prevents you from having to do repetitive form submissions for each company you want a rate for. Filling out one form will return quotes from multiple low-cost companies.
  • A slightly less efficient method to analyze rates requires you to visit each company website to request a price quote. For sake of this example, we’ll pretend you want rates from Progressive, Farmers and Travelers. To get rate quotes you would need to visit each site and enter your information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  • The least recommended way to compare rates is driving to and from local insurance agencies. Shopping for insurance online has reduced the need for local agents unless you require the personal advice that only a license agent can provide. Drivers can comparison shop online but still have the advice of a local agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but make darn sure you compare identical coverages and limits on every quote. If each company quotes different liability limits you will not be able to make an equal comparison.

Discounts are available to cut your rates

Companies do not list every available discount very well, so we researched some of the more common and also the lesser-known savings tricks you should be using. If you don’t get every credit possible, you’re just leaving money on the table.

  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for better car insurance rates for Bonneville coverage.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Safety Course Discount – Successfully completing a defensive driving course could cut 5% off your bill if you qualify.
  • Student in College – Any of your kids who are attending college and do not have a car may be able to be covered for less.

Drivers should understand that some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way.

Car insurance companies that may offer these benefits are:

Check with each insurance company which discounts they offer. Discounts might not be offered in every state.

Everyone needs different coverages

When it comes to choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. For example, these questions may help highlight whether your personal situation would benefit from professional advice.

  • How much can I save by bundling my policies?
  • At what point should I drop full coverage?
  • Does my car insurance cover rental cars?
  • How does medical payments coverage work?
  • Can my teen drive my company car?
  • Is motorclub coverage worth it?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How can I get high-risk coverage after a DUI?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

These factors can influence Pontiac Bonneville insurance rates

Consumers need to have an understanding of some of the elements that go into determining insurance rates. Knowing what influences your rates helps enable you to make changes that may reward you with lower insurance prices.

Listed below are a few of the “ingredients” that factor into rates.

  • Teen drivers pay high rates – Young drivers tend to be less responsible when driving so insurance rates are higher. Parents adding a young driver to your policy can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.
  • Do you qualify for a multi-policy discount? – The majority of companies will give a discount to people who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. If you currently are using one company, it’s in your best interest to comparison shop to make sure you are getting the best deal.
  • Credit scores impact insurance rates – A driver’s credit history is a huge factor in calculating your insurance rates. Therefore, if your credit is not that good, you could pay less to insure your 2002 Pontiac Bonneville by improving your credit score. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Keep rates low by being claim-free – If you are a frequent claim filer, you can expect either higher rates or even cancellation. Insurance companies award cheaper rates to policyholders who are claim-free. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Where you live – Choosing to live in less populated areas has it’s advantages when insuring your vehicles. Urban drivers have to deal with congested traffic and longer commutes to work. Lower population means fewer accidents and also fewer theft and vandalism claims.
  • Do you have a high stress job? – Did you know your insurance rates can be affected by your occupation? Occupations such as lawyers, social workers and accountants tend to have higher rates than average in part from high stress levels and long work hours. On the flip side, occupations like actors, athletes and performers receive lower rates for Bonneville coverage.

The insurance bait and switch

Consumers can’t ignore all the ads for car insurance savings from companies such as State Farm, GEICO and Progressive. All the ads make an identical promise that you’ll save big if you switch your policy.

How can each company make almost identical claims?

All companies have a preferred profile for the type of customer that is profitable for them. An example of a driver they prefer might be between 30 and 50, a clean driving record, and chooses high deductibles. A customer who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Drivers who don’t measure up to these standards will have to pay a higher premium which usually ends up with business not being written. The ads say “people who switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can advertise the way they do. Because of the profiling, drivers should compare as many rates as you can. Because you never know the company that will fit your personal profile best.

Specifics of your car insurance policy

Learning about specific coverages of a car insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on most car insurance policies.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, vandalism and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like nursing services, surgery, prosthetic devices, hospital visits and ambulance fees. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Liability coverage

Liability insurance protects you from damage that occurs to other’s property or people by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for things like attorney fees, funeral expenses and emergency aid. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Collision protection

Collision coverage covers damage to your Bonneville resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, driving through your garage door, crashing into a building, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Pontiac Bonneville.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

In conclusion

Affordable 2002 Pontiac Bonneville insurance is available online as well as from independent agents, and you should be comparing both in order to have the best chance of saving money. Some companies don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at a price you can afford, not the least amount of coverage.

To read more, take a look at these articles:

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